Legal and Deficiency Recovery Manager at First Help Financial

Compensation

$130,000/yr

Setup: Remote
Location: Needham, Massachusetts
Type: Full-time
Posted: Jul 2, 2026

Description

First Help Financial (FHF) is seeking a Legal and Deficiency Recovery Manager to design and implement a structured post-charge-off recovery program. This role involves owning legal and compliance gatekeeping, ensuring consumer interaction legality, overseeing vendor and outside counsel, and leading policy development. The manager will focus on transforming uncollected balances into recoverable assets, requiring strong legal and compliance expertise in consumer lending, particularly in non-prime or subprime auto finance.

Required Skills

Legal Operations
Compliance Management
Collections Oversight
Consumer Lending
Auto Finance
Third-Party Collection Agency
Non-Prime/Subprime Auto Lending
FDCPA
UDAAP
State Consumer Protection Laws
Bankruptcy Filings
SCRA Compliance
Outside Counsel Relationships
Deficiency Recovery Operation
Collections Performance Data

Additional Information

Required Previous Experiences: 5 or more years of experience in legal operations, compliance management, or collections oversight within consumer lending, auto finance, or a third-party collection agency.
Experience in non-prime or subprime auto lending specifically.
Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws as they apply to post charge-off collections.
Experience managing bankruptcy filings across a consumer lending portfolio and handling SCRA compliance for servicemember accounts.
Has managed outside counsel relationships.
Has worked in or alongside a deficiency recovery operation.
Preferred Qualifications: Has designed, built, or led a post charge-off deficiency recovery program from the ground up, covering settlement letters, internal contact, agency placement, and legal escalation.
Has managed legal collections activity across multiple states. Knows which states prohibit wage garnishment. Has coordinated with outside counsel on deficiency suits and post-judgment enforcement.
Has built or administered an agency compliance monitoring program. Has exercised a right-to-audit provision. Has terminated a vendor relationship for compliance failure.
Background at a non-prime auto lender or servicer: Consumer Portfolio Services, Westlake Financial, Exeter Finance, CAC Holdings, DriveTime, First Investors, or similar.